| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | BLUE CROSS OF CALIFORNIA | $43K | — | $43K | 3.49% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES INC. | 500 YGNACIO VALLEY ROAD WALNUT CREEK, CA 94596 | BLUE CROSS OF CALIFORNIA | — | $22K | $22K | 1.82% |
| JOHN M. GILMOUR, INC.3 Filed as: JOHN GILMOUR INC. | 300 WEST GLENOAKS BLVD. GLENDALE, CA 91202 | BLUE CROSS OF CALIFORNIA | $2 | — | $2 | 0.00% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $3K | $172 | $3K | 12.59% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 150 | $1.2M |
| Dental | BLUE CROSS OF CALIFORNIA | 150 | $1.2M |
| Vision | BLUE CROSS OF CALIFORNIA | 150 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 150 | $1.3M |
| Short-term disability | AFLAC | 23 | $28K |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 150 | $1.2M |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 150 | $1.2M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 150 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.